miami, transportation, san diego, international -- an intellectual property -- it varies from city-to-city. in terms of immigration reform, what we have seen as different sectors of the economy look at immigration differently. the high-tech community is looking at bringing in more high-skilled workers or keeping graduates in the united states to help them with challenges in computer sciences, for example, or health sciences. you have the hotel industry and the airline industry focused on trying to make sure that travel visas are administered more efficiently so we can bring in more tourists to spend more money. you have the industry sectors with an interest in immigration. our view is immigration reform will be a big issue in 2013 and you will see big companies across sectors working together, combining shared interests to get something done. host: here is a tweet from one of our viewers -- how does the national debt directly effect businesses, or does it? guest: the big factor to consider in all of this is borrowing costs. we work with our number of large financial services firms, and wha